Emva kweNkqubela yeMboleko
Ngokubanzi, ezi nkqubo zenzelwe ukunceda abanini bezindlu - kwaye ngamanye amaxesha abatyali-mali bafikelele kwimali-mboleko ye-vanilla ngexabiso eliphantsi.
Kwezinye iimeko, inzala yakho okanye inkokhelo yenyanga nganye iyancipha (ngaphandle kokuba uhamba ukusuka kwi-mortgage rate rate to mortgage rate ) kwaye ngokubanzi awukwazi ukuthatha imali. Kukho nawuphi na, ukuhlaziya kufuneka kuphucule imeko yakho kwaye kukuncede uqhubeke phambili.
Ukwenza ikhaya lithengiseke
Iprojekthi ebalulekileyo yokuhlaziya inkqubo yenkqubo yokwenza i-Home Affordable (MHA). Le nkqubo isebenzisa iindlela ezahlukeneyo, kubandakanywa uncedo lokuhlaziya , ukulungiswa kwemali mboleko kunye noncedo kubantu abangaqeshwanga. Ukutyelela kwi-website ye-MHA ukuze uthole iindaba zakutsha kwiiprogram ezintsha kunye neenguqu kwiinkqubo ezikhoyo. I-MHA ikwabonelela nge-HOTOP HOPE Hotline, esebenze ngabacebisi abavunyiweyo be-HUD, kwaye ababoleki bangabiza ii-24/7 (888-995-HOPE).
I-Home Affordable Refinancing Programme (HARP)
Inkqubo Yokuhlaziywa Kwekhaya Ehlawulekayo (eyaziwa ngokuba ngu-HARP okanye i- HARP 2.0 ) yinkqubo ephezulu yokuhlaziya i-MHA.
I-HARP ivumela abanini-mali ukuba bahlaziye iimali-mboleko ezithile nokuba ngaba banetyala elingaphezu kwekhaya labo elifanelekileyo (ukuba "bangaphantsi kwamanzi" ngemboleko). I-HARP iye yaphumelela kuphela ngenxa yokuba kunzima kubaphathi bezindlu ukuba bakwazi ukufumana inkqubo.
Ukuze ufanelekele i-HARP, umboleko wakho kufuneka ubanjwe noFannie Mae okanye uFreddie Mac (ezininzi iimboleko zihlangabezana nale mfuneko).
Nangona wenza imali yokubolekwa kwemali kwabanye abantu - njengebhanki, umzekelo - umboleko wakho usenokuba kuFannie okanye kwiincwadi zikaFreddie.
Ukuxhaswa kweeNgxowa-mali ze-FHA
I-Federal Housing Administration inikezela inkqubo yokuhlaziya abantu abanamakhaya abanemalimboleko ye-FHA. Njengenkqubo ye-HARP, inkqubo ye-FGA's Streamline Refinance Programme ikuvumela ukuba uhlaziye umboleko wemali ephantsi kwamanzi . Ukongeza, unokufumana ukuthengiselana okwenziwa ngamaphepha amaninzi. Ukuze ulungele ukuhlengahlengiswa kwe-streamline, kufuneka ube ne- FHA mboleko . Xoxa nomthengisi wakho wamanje okanye omnye umboleki-mali ovunywe yi-FHA ukuze uthole iinkcukacha ezingaphezulu
Refinancing VA Imali
Abboleki kunye ne-VA mboleko banakho ukuhlaziya kunye neNqanaba lokuNciphisa kweNzala (Interesting Reduction Refinancing Loan (IRRRL). Le nkqubo ikuvumela ukuba ufumane i-mboleko entsha ye-VA ngesantya esinqununu senzala. Akukho vavanyo olufunekayo yi-VA, kodwa ababolekisi osebenza nabo bangafuna i-appraisal. Ukuba indlu yakho iphantsi kwamanzi, unokufuna ukuyithengisa umboleki-mali oya phambili ngaphandle kokuvavanya. Ngayiphi na indlela, yinto efanelekileyo yokuthetha nabathengi abahlukeneyo ukuze ufumane into efanelekileyo.
Ukufumana iinkcukacha nge-IRRRL, thetha nawuphi na umboleki ophethe i-VA mboleko (i-lender yakho ekhoyo yindawo enkulu yokuqala).
Ukuhlaziya i-USDA Imali
Njengaloo mbhalo, iiprojekti ze-USDA zokuhlaziya ziyaqhubeka ziphuhliso. Kuze kube ngoku, iNkqubo yoLwabiwo lweZindlu zoLuntu oluLungileyo oluQinisekisiweyo oluPhezulu lufumaneka kuphela kwi-19 yezona zizwe ezikhutheleyo. Njengamanye amaprogram, le nkqubo yenzelwe ukuvumela ababolekayo phantsi kwamanzi bahlaziye kumaxabiso aphantsi kunye namaxwebhu amancinci. Umqhubi ukulindeleke ukuba asebenze ngo-2014, kodwa unokufaneleka ixesha lakho ukufumanisa ukuba luyakwandiswa kwindawo yakho.
Ukuze ufumane ukuba unokwenza uhlaziywe, qhagamshelana nayiphi na i-USDA ofisi yoPhuhliso lwamaPhandle nge-USDA.gov.
Ezinye iindlela
Kuthekani ukuba umboleko wakho awukho kunye noFannie Mae , uFreddie Mac , FHA, okanye VA? Ezinye iinkqubo zokuhlaziya ziyafumaneka kwiimboleko ezingekho phantsi koorhulumente. Nangona kunjalo, le nkqubo iyanqanda kwaye ifuna umthengisi wakho wamanje ukuba adlale.
Uhlelo lwe-FHA's Refinance program lunokukunceda ungene kwi-FHA Loan esondele kwixabiso lemarike yasekhaya . Inkqubo ye-FHA yesiBili yoLwazi (FHA2LP) inceda ukujongana nemali yesibini .
Akukho nanye kwezi ziphezulu?
Ukuba akukho nanye yeeprogram ezingentla zilungele wena, usenokuzama ukuhlaziya kunye naliphi na ibhanki okanye umboleki. Nangona kunjalo, kunokuba nzima, ngakumbi ukuba ikhaya lakho lingaphantsi kwamanzi, ukuba i-credit yakho iyabuhlungu, okanye ukuba ulahlekelwe ngumthombo wembuyekezo. Kuloo meko, kuhlale kufunekile ukubuza, kodwa iimeko ezintle azilungile. Ukuba awunayo inhlanhla, khuluma nabeluleki abavunyiweyo be-HUD kunye nabacebisi abaxhasiweyo beentengo zemboleko ukuze bafumane iingcamango ezingaphezulu.